Prudential's Policyholder Remediation Plan letters: No award is being made

The Prudential Insurance Company of America
Policyholder Remediation Plan
Box 780, Newark, NJ 07101
Tel 800-778-5659


Thursday, November 26, 1998

Claim Number:    
Policy Number:     
Insured:     
Policyowner:     

[Policyholder name and address]

DEAR [POLICYHOLDER]:

We have completed a thorough evaluation of your claim in the Alternative Dispute Resolution (ADR) Process involving your Prudential life insurance policy. Based on a careful and extensive review of the claim you filed and the other information in your claim file, we have determined no award of relief can be made concerning this claim. This is because the available evidence as a whole does not provide a basis to award relief or support a claim in the ADR Process.

This decision affects only the above claim. You will receive separate notification if you have any other pending ADR Claims.

If you are not satisfied with this decision, you may request a review of your claim by an Appeals Committee reviewer ("APCOM Reviewer"). The reviewer will not give any consideration to this decision and will independently considered and review your claim. The APCOM Reviewer is independent of Prudential, and is a part of the ADR Process accepted by the insurance department of your state and approved by the federal court in a nationwide class action settlement.

The independent APCOM Reviewer will consider your claim based upon the materials already in your claim file and will apply the same guidelines for claim review and remedies used throughout the ADR Process. If you so request, you will be assigned an attorney Representative who is independent of Prudential to assist you without cost. The final decision of the independent Appeals Committee is binding upon you and Prudential. More information about the Appeals Committee review process is contained in the brochure enclosed with this letter.

To request a review of your claim by an independent APCOM Reviewer, complete, sign and return the enclosed Selection Form. Please use the enclosed postpaid envelope. (Note that the delivery address is a post office box. Many delivery services may not be used when the delivery address is a post office box and the following address should be used instead: Prudential Insurance Company of America, Policyholder Redemption Plan, 213 Washington Street, Newark, NJ 07102). We will send you a confirmation letter once we receive your Selection Form.

If your Selection Form is not returned to us by Sunday, January 10, 1999 you will waive and lose your right to Appeals Committee review.

Please read the accompanying brochure carefully before you make your decision. If you have any questions, please call our Customer Liaison Group at (800) 778-5859. You can reach us Monday through Friday between 6:00 a.m. and 11:00 p.m. Eastern time. Staff members are also available 24 hours a day, seven days a week, at this number to answer general questions about your claim. Hearing and speech impaired policyowners with TDD/TYY equipment can contact us at (800) 953-6078.

We regret that our decision on your claim is not favorable, but believe that the decision is consistent with the terms of the remediation plan. We appreciate your patience throughout this process, and hope that you will give Prudential an opportunity to serve you in the future.


Sincerely,




[customer service rep name]
Customer Liaison